Big Data, Data Analytics, Artificial Intelligence were all hot topics at the 2018 NACUSO Network Conference. Credit Unions are sitting on piles of member data that has been largely untapped. When you think about all we could know about our members, it’s both exciting and frightening. I remember the first time I heard about building a data warehouse. I pictured a huge metal warehouse with towers of printed data (cuz this was in the 90’s when we still printed green bar reports). I was the VP of Marketing at a very high tech credit union and our IT guy was determined to build a data warehouse. So I asked this question, “IF we could indeed have easy access to all of our member’s data … what are we going to do with it? In other words, what do we want to know?” He couldn’t really answer me at the time. I think that’s the danger in having too much information. If you don’t know what you’re going to do with it or why you need it in the first place you could have your data geeks uncover a statistic that actually goes against your business model and could damage your reputation. Nordstrom is synonymous with great customer service, mostly centered around their legendary no hassle return policy. I read the book the Nordstrom Way many years ago and it confirmed that the story was true about a Nordstrom employee taking back a set of snow tires – even though they don’t sell tires. The book also said that Nordstrom knows they have customers that “borrow clothes” but the loyal customers that pay full retail and don’t abuse the policy offset that cost. Nordstrom solved their own problem of returns by opening the Nordstrom Rack. Where you can shop Nordstrom fashions at a discounted price. I had my own amazing Nordstrom experience years ago when I was dating a guy that wanted a red sweater for a Christmas party. Nordstrom did not have his size. But Nordy’s sales people will do everything they can to accommodate so he called around to other locations in the State. None of them had the sweater. The sales clerk took down his phone number and said he would continue his search and have an answer by the end of the day. Later that night he called and asked for my boyfriend’s address. He said he finally located the sweater and would gladly deliver it on his way home. When we answered the door he handed my boyfriend a Macy’s bag. They carried the same brand at the time and had a red one in his size. Amazing. Loyalty for life. Enter big data, gone bad. A good friend of mine is a very loyal Nordstrom shopper. She’s the CEO of a credit union and dresses very professionally. She has a personal shopper, who will call her when new styles come in. She’s been served champagne on shopping trips. She’s a profitable promoter. The holy grail of retail. Until recently, that is. She also shops the Nordstrom Rack online. And some data geek started tracking the return rate of online shoppers. According to the scolding email she received her return rate was, in their opinion, higher than average. This is what they threatened to do: “If your rate of returns is not lowered, we may have to deactivate your online shopping account. We value you as a customer, and want to do everything we can to ensure that doesn’t happen.In order to improve your shopping experience, we have installed a number of new tools online, such as customer reviews and an improved sizing tool to help ensure a more accurate fit. We’re sorry if you’ve experienced issues with your past purchases, but we’re hopeful that this updated set of tools will help you avoid having to make as many returns in the future.” What really kills me about this threat is they admit that they don’t have the best tools online to insure a perfect fit … but the data is there and a graph shows she is one of the biggest “offenders” of their return policy differentiator. What is also sad about this situation, is Nordstrom’s did not recognize what a very loyal Nordstrom shopper my friend is, and how much she buys from Nordstrom’s separate from her online purchases from Nordstrom Rack, where they had a problem with her “above average returns.” One clear thing we must do when using big data, is take the entire relationship into account. How long has the member been a member of your credit union? How extensive is their relationship, or has it been in the past? We need to be sure to recognize member loyalty, while finding ways to help our members and improve service and convenience with the big data and data analytics tools we now have available to us. 1SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Denise Wymore Denise started her credit union career over 30 years ago as a Teller for Pacific NW Federal Credit Union in Portland, Oregon. She moved up and around the org. chart … Web: www.nacuso.org Details
Editors Note: This column was written before Plaxico Burress’ possible season ending injury Thursday. Burress will have surgery on Monday to repair an injury in his right shoulder and is out indefinitely. Coach Mike Tomlin called the damage to Burress’ shoulder “significant” but declined to specify the exact nature of the injury. ESPN and NFL.com reported Burress has a torn rotator cuff. A youngster from the Woodland Hills youth football team is thrilled as he wears Plaxico Burress’ shoulder pads as they take the field at training camp July 31. (Courier Photo/William McBride) “Not good work today, great work” Mike Tomlin stated after last Saturday’s practice. It was a practice much luck the others that preceded it this training camp, full of hard hitting and tackling. After spending a few days on the sideline watching the team practice it became apparent they are on a mission in 2013. Tomlin and his troops were embarrassed by missing the playoffs last year and they don’t want to see that happen two years straight. The team has been running some great drills that have seen some incredible plays by both offensive and defensive players alike and certainly haven’t been short of bone crushing hits and tackles. Tomlin is working this team, perhaps making them pay for last year’s shortcomings or perhaps preparing them so they won’t fall short again. Either way, the team appears focused and ready to take on the world. It’s apparent the team will use both young and old players and they seem to be mixing together nicely so far.Troy Polamalu stated “We have a good mix of experience and youth” and he’s absolutely correct. So far he has looked very good in camp making some plays in Red Zone drills that the Troy of old used to make. To compliment that, Jarvis Jones has been impressive in drills, running with the first team and showing some extreme bursts of speed and ability. There are still battles to be won and one of those features Jones vs. Jason Worilds for the starting outside linebacker job. Larry Foote could be seen coaching up Jones before one on one drills, showing him how to make some inside and outside moves and sharing his many years of knowledge with the rookie. Jones did not disappoint as he roughed up many of the running backs and full backs he matched up with.Worilds is battling a toe injury currently and when asked what he needs to do to become the starter he stated he needs to “continue to play my game”. Worilds has started in the past and has made some plays but after watching Jones, it may be tough to grab that job. Both will be impact players on this squad and will see significant time either way but Jones seems to have the edge right now.Another key battle is on the offensive side of the ball for the two through four receiver spots. Antonio Brown is the clear number one and continues to be a crowd favorite with his work ethic (he’s the only player I saw who rode his bike after practice to the lunch room vs. taking a golf cart) and his infectious smile and interaction with the crowd. The two spot seems to be in the hands of Emmanuel Sanders but rookie Markus Wheaton saw reps with the first team as well. The three and four spots will be battled out between Sanders, Wheaton, Plaxico Burress and Jerricho Cotchery.Burress looked great in workouts making a few impressive TD grabs and mixing it up with the refs even on plays he wasn’t in on. Though no roles have been defined yet, Burress noted “I’m just going to go out and compete, and in the red zone score touchdowns and draw double coverage”. With his height and skill set there is room on this team for him to do just that. Not only can he be an impact on the field but Burress seems to be taking to the idea of helping the young receivers as well. Having been around the league for a while he’s taken it upon himself to teach the younger guys about reading coverage and they seem to be all for it. LeVeon Bell has looked like the back this team has been missing since the end of the Willie Parker era. He’s fast but has the ability to hammer it home. While he’s battling with Isaac Redman and Jonathan Dwyer, he has to be the leading candidate at this point to win the starting job. It’s not all business on the field, the team has done some fooling around to entertain the crowd as well. The QB’s will do a challenge in which they need to throw the ball about 40 yards across the field into a trash can; Big Ben seems to win that one more often than not.The receivers and punt returners see who can catch the most punt machine balls in a row while holding all the previous balls they caught at the same time. Emmanuel Sanders holds the current record with 6 catches in a row. That’s no easy feat. Overall the team looks loose, they look fit and they look ready. The true test will be in game action but from a practice perspective these guys look hungry and ready to go and if they want to avoid the pitfalls of 2012, they’ll need to continue the “Great Work” Mike Tomlin described.Mike Pelaia hosts the website Steel Nation Association www.steelnationassociation.com – Covering the Steelers and helping Children’s Hospital All Day Everyday. You can e-mail him at [email protected]
WARRIORS UPDATE: The Warriors’ first game at Chase was one to … Scroll down to get insights and news updates from the Warriors’ second game at Chase Center when they face Karl-Anthony Towns and the Timberwolves.GAME ESSENTIALS: Warriors (0-1) vs. Timberwolves (0-1) at Chase Center, Thursday at 7:30 p.m. (PT). TV: NBSBA.ODDS: Warriors -3 (opened at Warriors -1).2019 SERIES: First meeting. LAST MEETING: Timberwolves d. Warriors, 131-130 in OT on March 29, 2019 in Minnesota.
Young girls smile, enjoying last year’s successful Reach for dream Slipper Day. (Image: Reach for a Dream)For one day people can swap stilettos, brogues or sneakers for cosy slippers in the name of helping a gravely ill child.Reach for a Dream Foundation’s Slipper Day calls on ordinary citizens to make a difference by just donating R10 for a sticker to allow people to go to work on 5 August 2016 wearing slippers.This nationwide campaign has grown quickly since its inception in 2011. At first it was a provincial campaign when it amassed R175 000 in KwaZulu-Natal. In 2012 it went national and managed to raise R1.3-million. In 2015 it collected a staggering R3.5-million.According to Reach for a Dream’s website Slipper Day is a “fun initiative that creates awareness for the foundation, whilst raising funds to make more dreams a reality for children fighting life-threatening illnesses”.Bronwyn Feldwick-Davis, the foundation’s marketing manager said Slipper Day is successful because it gets all South Africans involved for as little as R10.“The thought of a child battling for their life when they should be enjoying the most magical time of their lives, their childhood, is something that most citizens feel compassion and empathy towards.”Julia Sotirianakos, CEO at the foundation said Slipper Day provides people an easy way to do something good and support children fighting life-threatening illnesses.“Even during tough economic times you can make a difference with just R10 and doing something fun with your feet,” she said.“By wearing your slippers on Slipper Day, you can help to bring dreams to life and if we can make dreams come true, we can instil hope in a child which will help them to continue fighting.”This year the foundation hopes to sell 650 000 stickers, which will almost double its fundraising total from 2015.Stickers can be bought at Reach for a Dream branches, as well as in Wimpy or Pick ‘n Pay stores nationwide.Reach for a Dream has been helping children and teens battling life-threatening illnesses since 1988. Whether it’s a surprise birthday party, a laptop, shopping sprees or meeting their favourite personality, the foundation has been making dreams come true.
NEXT BLOCK ASIA 2.0 introduces GURUS AWARDS to recognize and reward industry influencers The Titans, who also paraded new signees Arvin Tolentino and Kyles Lao, finally won after four tries.The Generals slumped to 0-4.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSLillard, Anthony lead Blazers over ThunderSPORTSMalditas save PH from shutoutIn the second game, Gamboa-St. Clare whipped Jose Rizal U, 93-76, for its third straight win.The Titans almost lost the game after leading by as many as 28 points as Cedric de Joya, Cedric Ablaza, and Jerome Garcia moved the Generals to within 95-93 in the final 11.0 seconds. Globe Business launches leading cloud-enabled and hardware-agnostic conferencing platform in PH Robbie Manalang remained a force to reckon with as AMA Online Education finally ended its drought with a 96-93 win over Batangas-EAC in the 2018 PBA D-League Aspirants’ Cup Monday at JCSGO Gym in Cubao.Manalang, the former Adamson playmaker, sizzled anew in his second game for the Titans, finishing with a conference-high 40 points on 8-of-16 shooting from three-point zone.ADVERTISEMENT John Lloyd Cruz a dashing guest at Vhong Navarro’s wedding AFP official booed out of forum Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles04:11Robredo accepts Duterte’s drug czar post appointment01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City Slow and steady hope for near-extinct Bangladesh tortoises Martinez could only muster a split from the foul line to keep the door open for Batangas-EAC in the last 9.9 ticks, but Earvin Mendoza and Garcia both muffed their attempts that could have forced overtime.“Maybe the players just got tired,” said AMA coach Mark Herrera. “But we got players who can score. At least now, we have options where we can go in our games.”Meanwhile, Mila’s Lechon has decided to withdraw from the league, citing internal problems.Team owner Aika Salanguit made the announcement to discontinue the Mighty Roasters’ campaign in their maiden conference.Mila’s Lechon ended its stint with a 0-4 card and an average losing margin of 26.3 points—RANDOLPH B. LEONGSON, INQUIRER.NETADVERTISEMENT Read Next View comments Brace for potentially devastating typhoon approaching PH – NDRRMC Don’t miss out on the latest news and information. Typhoon Kammuri accelerates, gains strength en route to PH MOST READ 2 ‘newbie’ drug pushers fall in Lucena sting Philsteel returns as major sponsor of PBA LATEST STORIES
S Sreesanth.S. Sreesanth will replace injured medium pacer Praveen Kumar in the squad for ICC World Cup, beginning on February 19. The all-India senior selection committee of the Board of Control for Cricket in India (BCCI) on Tuesday picked Sreesanth as Kumar’s replacement. The International Cricket Council (ICC) had allowed Kumar’s replacement in the team. Kumar was ruled out of the World Cup due to an elbow injury that he had sustained before the ODI series in South Africa last month. Though it was expected that he would be fit in time, Kumar was yet to recover fully. The fiery pacer from Kerala was present at the National Cricket Academy (NCA) in Bangalore on Monday when Kumar failed his fitness test. Sreesanth was instrumental in ensuring India shared the honours in the Test series against South Africa. His omission from the World Cup squad last month had surprised many considering his recent performances.”I got an opportunity, I will do my best. I am very excited to play for India,” said Sreesanth.
Sammy Wanjiru, Kenyan Olympic marathon champion Sammy Wanjiru, suicide, Triza Njeri, Rift with wife, Nyahururu, Rift Valley, Central Province of Kenya, Rift with wife Kenyan Olympic marathon champion Sammy Wanjiru died in a fall from a balcony after a domestic dispute involving his wife (Triza Njeri) and another woman, police said on Monday.One police official said Wanjiru committed suicide, while another said he jumped to stop his wife from leaving the house after she discovered him with another woman.”The 24-year-old runner died late on Sunday after jumping from a balcony at his home in the town of Nyahururu, in the Rift Valley,” said John Mbijiwe, the police chief in Kenya’s Central Province.”The fact of the matter is that Wanjiru committed suicide,” national police spokesman Eric Kiraithe said.Police commissioner Mathew Iteere also said initial reports indicated Wanjiru killed himself, though a local official offered a different account.”Wanjiru came home with another woman friend at around 11.30 pm and then when his wife came home and found them she inquired who the lady was,” area police chief Jasper Ombati said.”They got into an argument. His wife locked them in the bedroom and ran off.”He then jumped from the bedroom balcony. He is not here to tell us what he was thinking when he jumped. We do not suspect foul play. In our estimation we think he wanted to stop his wife from leaving the compound.” Ombati said the balcony is between four and six meters (13 and 19 feet) high. He said the runner landed on a hard surface.advertisement”His head was intact but they may have been internal injuries which only a post- mortem can reveal,” Ombati said.At the 2008 Beijing Olympics, Wanjiru became the first Kenyan to win a gold medal in the marathon, finishing in an Olympic-record of two hours, six minutes, 32 seconds.Ethiopian distance running great Haile Gebrselassie, said on his Twitter feed that he was ” totally shocked” by the news.”My thoughts are with his family and all his friends and colleagues,” Gebrselassie said.”Of course one wonders if we as an athletics family could have avoided this tragedy,” he said.Kenyan Prime Minister Raila Odinga said Wanjiru was “steadily developing into our country’s running phenomenon.” Wanjiru made an early start to his career, moving to Japan aged 15 where he attended school in Sendai, where he won some major cross- country events.Wanjiru had a history of domestic problems. Last December, he was charged with wounding his security guard with a rifle and threatening to kill his wife and maid. The runner denied all charges and was released on bail.FACTFILEName: Sammy Wanjiru Date of birth: November 10, 1986Nationality: KenyanAchievements: In 2008 Beijing Olympics, he became the first Kenyan to clinch a gold medal in marathon, setting an Olympic record of 2: 06: 32 Winner of London Marathon in 2009 and Chicago Marathon in 2009 and 2010
Indian cricket fraternity on Thursday reacted with shock and sorrow on the demise of former captain Mansur Ali Khan Patuadi, who died here due to lung infection, describing him as a “great human being” and “shrewd leader” who inspired a generation of players in the country.Former and current stalwarts of the game remembered how Pataudi had influenced their careers in different ways and said his demise has left a void in Indian cricket.India’s batting maestro Sachin Tendulkar termed his demise as a terrible loss for cricket world. “I had an opportunity to him (M.A.K. Pataudi) once,” Tendulkar told Headlines Today.Rahul Dravid, who met Pataudi at the presentation ceremony of the India-England series, expressed shock.”Wish I had spent more time with him. Even though I had heard of him being not well, this comes as a shock”, he said Dravid adding, “Pataudi was a personality who influenced Indian cricket in many ways. As a leader, he was someone who changed the way the game was played. He lived with dignity even after retirement.”BCCI president N Srinivasan expressed shocked at Pataudi’s demise. In a statement, he said, “I am shocked to hear the news of Tiger Pataudi’s demise. He was an exemplary individual, who guided Indian cricket to unprecedented heights, as batsman, fielder and captain.””He revolutionised fielding standards in the Indian team, and across the country. In an age wherein a draw was considered as good as a win, Tiger Pataudi encouraged his players to go flat out for victory. He was an aggressive batsman who excelled in crisis situations, and showed the nation how to combat adversity. I join my colleagues in the BCCI to express my condolences at his passing away. His services to Indian cricket will never be forgotten,” Srinivasan added.advertisementThere were condolence messages from cricket’s governing body ICC as well. ICC chief Sharad Pawar mourned passing of one of India’s greatest captains. “On behalf of the International Cricket Council (ICC), I condole the passing of “Tiger” Pataudi who was one of India’s greatest, most charismatic and flamboyant captains. Mansur Ali Khan Pataudi was a man of exceptional talent who turned out to be an inspiration to millions of cricketers, not only in India but across the globe. It was an honour and privilege to have known him,” said Pawar. “Mansur Ali Khan became a true darling of India cricket due to his on the field heroics and off the field easy manners. After retirement, he maintained his close association with the game in different capacities, including as a commentator. Whenever he shared his views on the game, they were taken seriously as they were considered to be coming right from the bottom of the heart of one of India’s greatest servants of the game. He will be sorely missed,” Pawar added in an ICC statement.ICC Chief Executive Haroon Lorgat said: “I was sad to learn of the demise of India’s iconic former Test captain Mansur Ali Khan Pataudi. I had grown up as a young cricketer hearing about his achievements and had only met him for the first time during The Oval Test on 22 August where he had come to present the Pataudi Trophy to the England team while I presented Andrew Strauss with the Reliance ICC Test Championship mace.”During the Test, I had the privilege of discussing with him the past, present and future of Test and 50-over cricket. It was absolutely fascinating to hear his views and confidence in these formats.”Former India captain Sunil Gavaskar described Pataudi as the “most charismatic cricketer of his generation”.”To bat with almost zero vision in one eye and still to score nearly 3,000 runs and half a dozen centuries in Test cricket tells you what a genius he was,” Gavaskar said.Former Pakistan captain Imran Khan echoed a similar sentiment. “Anyone who knows batting, knows that it’s difficult to play with one eye, specially (to play) fast bowling. What he achieved with one eye, the sort of ability he had, what sort of a player he could have become,” he said.”For me, he was by far the best cricketer, I have seen in my life,” former India captain Ajit Wadekar told India Today Online. Pataudi’s team-mates Bishen Singh Bedi and Erapalli Prasanna praised Pataudi identifying that India’s strength lay in spin, which ultimately led to the formation of the lethal spin-quartet that included Bhagwat Chandrasekhar, Srinivas Venkataraghavan apart from Prasanna and Bedi. “His faith in the spinners was absolute and we all prospered under his captaincy. We won’t find the likes of him in a long, long time. His voice cannot be filled. A great, great chapter of Indian cricket has come to a close,” Bedi said.advertisement”It’s very shocking and sad news. A few weeks ago I saw him give away the Patuadi trophy to England,” Prasanna told Headlines Today.England defeated India in the Test series 4-0 and Pataudi gave away the trophy to winner, which has been named after him.”He gave a different dimension to Indian cricket. He analysed the strengths and weakness of the team. He had a lot of confidence in me. He said if we have to bowl 100 overs, I will have to bowl 80 very effective overs,” Prasanna said about his captain Tiger.”He countered the West Indies fearsome foursome with our fearsome spin (the famous spin quartet of Erapalli Prasanna, Srinivas Venkataraghavan, Bhagwat Chandrasekhar and Bishan Singh Bedi).””For him it was an equal balance of batting and bowling. He proved to the world that you need not have fast bowlers if you have an effective spin attack,” added the former India spinnerSpeaking about his marriage to actress Sharmila Tagore, he said, “He was brought up in England and he was independent. He transformed and translated that in his marriage and it proved successful till the very last date.”Fomer India cricketer Chetan Chauhan called him a “Tiger on field”. “He was very agile and used to chase down and stop boundaries, that’s why he was called the Tiger.”Former opening batsman Gundappa Viswanath described Pataudi as his guide in early years of his career and somebody who had always helped the youngsters.”It is a terrible news for me, he brought me up and guided me. I cant even express myself, it is one of my saddest days. He was a great human being, a great cricketer, a great fielder, shrewed captain, it is really sad,” he said.”He always guided the youngsters, I was very close to him, so I cant really forget the way he brought me up. He was my first captain under whom I played. Whatever career I had, it stands on him,” he added.Former captain and current selection panel chairman Krishnamachari Srikkanth said Pataudi was the one cricketer who ushered in style and aggression to Indian cricket.”It is a great loss for Indian cricket. He is one fellow, so stylish and aggressive. He achieved so much at the age of 21, he played an aggressive brand of cricket. He was very friendly and a fun loving person, he had very subtle and good sense of humour,” said Srikkanth.”His greatest quality was the way he hit those sixes. He is called Tiger because of his extraordinary fielding at covers. He lost one eye but still went on to score so many runs. He expresses his views but never tried to impose them. One thing I like to inculcate from him is his determination and aggressiveness,” he said.advertisementCricketing fraternity apart, Indian Olympic Association secretary general Randhir Singh on Friday paid tribute to late former cricket captain Mansur Ali Khan Pataudi, saying he would always be remembered for leading the Indian team to its first overseas series win.”He (Pataudi) was an outstanding sportsman and a great human being. He would forever be remembered for leading India to their maiden Test series triumph abroad. He will be deeply missed among the Indian sports fraternity,” Randhir said in his condolence message.
India on Wednesday lost two quick wickets against England in Cardiff.Earlier, England skipper Alastair Cook won the toss and invited India to bat first in the second cricket ODI at Sophia Gardens.The first match of the five-ODIs series was washed out at Bristol.Opening batsman Alex Hales will make his debut for the hosts in Wednesday’s match.Teams:England: Alastair Cook (C), Alex Hales, Ian Bell, Joe Root, Eoin Morgan, Jos Buttler, Ben Stokes, Chris Woakes, Chris Jordan, James Tredwell and James AndersonIndia: Mahendra Singh Dhoni (C), Shikhar Dhawan, Rohit Sharma, Virat Kohli, Ajinkya Rahane, Suresh Raina, Ravindra Jadeja, Ravichandran Ashwin, Bhuvneshwar Kumar, Mohammed Shami and Mohit Sharma.
No amount of preparation is enough to snuff out the threat of Argentina’s “assassin” Lionel Messi, Panama coach Hernan Dario Gomez said ahead of Friday’s Copa America clash between the teams. (Latest Football stories)Messi was an unused substitute in Argentina’s 2-1 win over holders Chile in their opening Group D match in Santa Clara, California on Monday after a back injury but could reappear when they face Panama in Chicago.Both sides have three points after Panama marked their first appearance in the world’s oldest international tournament with a surprise 2-1 win over Bolivia, who face Chile in Foxborough on Friday.”You can work a lot to build a team, but against Messi there’s nothing you can do. If Messi’s inspired he can kill anyone,” Colombian Gomez told reporters.”One works on tactics and has a team but individuals are above that in football. Messi is a man who is above everyone,” he said of the Argentina captain, five times winner of the world player of the year award.Gomez said his players were enjoying facing world class teams as they build towards the final stages of the CONCACAF 2018 World Cup qualifiers. Panama face Chile in Philadelphia on Tuesday.Messi is keen to get game time before the knockout phase of the centenary tournament begins, after sitting out the win over Chile as a substitute.It was the first time he had stayed on the bench for a whole game in 10 years, since Argentina’s 2006 World Cup quarter-final loss to Germany when he was a teenager.advertisementMessi, who turns 29 two days before the final in East Rutherford on June 26, has said he is determined to win the tournament after finishing on the losing side in the 2014 World Cup final in Brazil and the 2007 and 2015 Copa America finals.